How Does Pet Insurance Reimbursement Work?

You pay the vet bill upfront, submit a claim, and receive a reimbursement based on your policy’s rate—usually 70%, 80%, or 90%.
Source: BestPetPlanGuide.com

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Most pet insurance providers operate on a reimbursement model. After visiting your vet, you:

1. Pay the full bill out-of-pocket

2. Submit a claim online or through the insurer’s app

3. Wait for approval and receive funds via direct deposit or check

 

The reimbursement is calculated after your deductible is met:

• Bill: $1,000

• Deductible: $250

• Reimbursement rate: 80%

• Reimbursed: ($1,000 - $250) × 80% = $600

 

Some insurers offer direct payment to vets, but it’s not common.